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Credit file & ratings
Discussion List
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Help! Brilliant rating wrecked by mistake
Hi, I'm wondering if anyone can help please. Myself and my husband have always had good credit history, no issues getting loans/cards etc, we have a mortgage and have never been behind. Recently we were getting emails from Barclaycard saying we had an outstanding amount to pay. (approx £50). Thinking these were fake as we…
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Experian advert
Can some one explain to me about the recent Experian advert and drawing everyone attention to Credit score. When we are constantly being told they are meaningless on these forum sites?
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Should a late payment then credited back affect your credit history?
Hello everyone, Quick question - in October 2015 I missed a payment to my Halifax CC. Oversight by me when you get down to the details. I spoke with Halifax, told them the reason why and the next month they credited me back the late payment charge of £12. On my credit report, I am down as making a late payment for the…
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Partial Settlement
Hi I emailed CapQuest to clarify how much I still owe. They told me and offered me £5 off if I paid the remaining £141 in full and then said it would show on my credit record as a partial settlement. Is a partial settlement worse than just a settled? Because I'd rather pay the extra £5 if the partial is going to affect my…
